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How Do Pre-Approved Credit Card Offers Affect FICO Scores?

April 26, 2017affect credit card FICO offers pre-approved scores

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How Do Pre-Approved Credit Card Offers Affect FICO Scores?

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Pre-approved offers reverse the usual process for getting new credit cards. You usually apply for a card, and the bank offers you an account or turns you down, depending on your credit report. Sometimes card issuers screen your information, even if you did not request an account, the Federal Trade Commission explains. They then offer you a pre-approved account if you meet certain criteria.